★ Preface
A lot of bloggers have posted articles on the Internet about lying flat on deposits.
★ Some people say that he saved 500,000 yuan, and he relied on interest to lie flat, eating and drinking.
★ Some people also said that he had a deposit of 1 million, and he resigned and went back to the countryside to lie down.
★ Some people say that they have a deposit of 2 million and don't want to work hard, they just want to enjoy their daily life, farming and drinking tea.
☞ I also managed to deposit 2 million
I, 45 years old, have a car, a house, a wife and no children, and no loans. With a fixed deposit of 2 million, he lives in a small city of 5th tier.
This deposit is not worth mentioning at all for people living in big cities, but for us in a small city with an average salary of 2,500, not everyone can take it out.
I have been in business for 20 years, and I have experienced ups and downs, made and lost, invested, and timid.
When I was young, I was fearless, I just wanted to realize my own value, and I worked hard every day to earn Q.
But until 2020, I still owed 50,000 to my credit card.
Some people say that ordinary people can earn Q for two or three years in their lives, and if they catch it, they will earn it.
That's how I was, I saved 2 million in 2 or 3 years and kept it in the bank.
☞ However, I found that I was getting more and more anxious.
Through self-analysis, I summarized the causes of anxiety as follows.
First, when I didn't have any money before, I never felt poor, and I always ate, drank, and had fun every day.
When I buy clothes and shoes, I also buy brands, hundreds of dollars of clothes, thousands of dollars, and I often buy them.
When you don't drive, you take a taxi, you never take the bus, and you never think about the distance, tolls or anything when you drive.
But since I saved 2 million, I don't buy much clothes, and I buy 3 pieces for 100 yuan, 2 pieces of that kind, and shoes at a special price of 99 yuan.
When I could walk outside, I didn't take a taxi, and I even started to sit on the bus.
I myself wonder when I became a door-picker.
Second, with 2 million, I feel very poor. The house I live in now is more than 80 square meters, 4 floors, and I have always wanted to change to a big house with a courtyard. But now a one-story house is particularly sought-after, in our fifth-tier cities all down to about 2 million, if I change the house, I will suddenly go back to the pre-liberation period, there is no deposit, so I can only think about it, there is no strength to change the house at all.
Third, after having these Qs, there is always the idea of retiring early.
Last year and the year before that, when the bank interest was about 4.0, the interest of 2 million deposits was 80,000 yuan a year, and the average was 7,000 yuan per month, which was basically enough in our small city, and I had no children, nor did I have any burden, and there were not many places to spend Q.
But this year, the bank interest rate has dropped to about 3%, and the total is 5,000 per month, so I don't dare to have the idea of living on interest, for fear that the interest rate will continue to fall.
Fourth, since the end of the epidemic, business has plummeted, and the instability of income is also the main reason for my anxiety.
Although there are 2 million deposits, but I don't dare to invest easily, the market environment is so bad, I am afraid of a mistake, the deposit is lost, then there will be no pension money, but do not invest in the business and there is no improvement, especially let me be in a dilemma. So I'm anxious every day.
★ Write at the end
Families with 2 million deposits, cars and houses, no loans and no children are indeed not very stressed.
At present, all the pressure comes from the instability of one's own economic income, and I am afraid that I will not be able to earn it back if I spend it.
Some people say that the Q flower is yours, otherwise it may not be anyone's. I couldn't agree more. But I really don't dare to move, what if I can't earn it back after spending it?
Or try to run the business well and make the income more stable. Even if you don't have those savings, you won't be anxious anymore.
Friends, should I spend my deposit?